🇳🇬Nigerian Credit Report
Nigerian Credit Report
POST {{baseurl}}/v2/api/identity/credit-report/ng/individual
This endpoint allows you to validate the credit history of a Nigerian Individuals.
Headers
Name
Type
Description
token*
String
API secret token
Request Body
Name
Type
Description
id*
String
Individual's identification number, this can be BVN, Mobile Number, National ID, Pencom ID or Drivers License Number of Individual you intend to search. When using (consumerName + dateOfBirth) OR accountNumber for search pass an empty string
isSubjectConsent*
Boolean
Indicate subject has given consent. Must be true
consumerName
String
Consumer's name . When using id OR accountNumber for search pass an empty string
accountNumber
String
Consumer's account number When using id for search pass an empty string
dateOfBirth
String
Consumer's date of birth. When using id OR accountNumber for search pass an empty string
enquiryReason
String
Customer's Enquiry Reason
{
"id": "22471069115",
"isSubjectConsent": true,
"consumerName": "",
"accountNumber": "",
"dateOfBirth": "",
"enquiryReason": "borrower_existing_credit"
}{
"success": true,
"statusCode": 200,
"message": "success",
"data": {
"id": "64c71833e975429f54bfdaf4",
"parentId": null,
"status": "found",
"reason": null,
"personalDetailsSummary": [
{
"consumerID": "2599049",
"header": "PERSONAL DETAILS SUMMARY: Amos Testi ",
"referenceNo": null,
"nationality": "Nigeria",
"nationalIDNo": "",
"passportNo": null,
"driversLicenseNo": null,
"bankVerificationNo": "22471069115",
"pencomIDNo": "",
"otheridNo": "",
"birthDate": "26/01/1977",
"dependants": "0",
"gender": "Female",
"maritalStatus": null,
"residentialAddress1": "College Road Abaro Aladje",
"residentialAddress2": "Delta",
"residentialAddress3": "",
"residentialAddress4": " ",
"postalAddress1": null,
"postalAddress2": null,
"postalAddress3": null,
"postalAddress4": null,
"homeTelephoneNo": null,
"workTelephoneNo": null,
"cellularNo": "",
"emailAddress": "",
"employerDetail": null,
"propertyOwnedType": "",
"surname": "Amos",
"firstName": "Testi",
"otherNames": "",
"_id": "64c71835e975429f54bfdaf6"
}
],
"deliquencyInformation": [
{
"subscriberName": "",
"accountNo": "",
"periodNum": "",
"monthsinArrears": "",
"_id": "64c71835e975429f54bfdaf7"
}
],
"creditAccountSummary": [
{
"totalMonthlyInstalment": "17,205.00",
"totalOutstandingdebt": "0.00",
"totalAccountarrear": "2",
"amountarrear": "0.00",
"totalAccounts": "7",
"totalAccounts1": "0",
"totalaccountinGodcondition": "6",
"totalaccountinGoodcondition": "6",
"totalNumberofJudgement": "0",
"totalJudgementAmount": "0",
"lastJudgementDate": "-",
"totalNumberofDishonoured": "0",
"totalDishonouredAmount": "0.00",
"lastBouncedChequesDate": null,
"totalMonthlyInstalment1": "0.00",
"totalOutstandingdebt1": "0.00",
"totalAccountarrear1": "0",
"amountarrear1": "0.00",
"totalaccountinGodcondition1": "0",
"totalaccountinBadcondition": "0",
"totalNumberofJudgement1": "0",
"totalJudgementAmount1": "0",
"lastJudgementDate1": "-",
"totalNumberofDishonoured1": "0",
"totalDishonouredAmount1": "0.00",
"lastBouncedChequesDate1": null,
"rating": "118",
"_id": "64c71835e975429f54bfdaf8"
}
],
"creditAccountRating": [
{
"noOfHomeLoanAccountsGood": "0",
"noOfHomeLoanAccountsBad": "0",
"noOfAutoLoanccountsGood": "0",
"noOfAutoLoanAccountsBad": "0",
"noOfStudyLoanAccountsGood": "0",
"noOfStudyLoanAccountsBad": "0",
"noOfPersonalLoanAccountsGood": "0",
"noOfPersonalLoanAccountsBad": "0",
"noOfCreditCardAccountsGood": "0",
"noOfCreditCardAccountsBad": "0",
"noOfRetailAccountsGood": "0",
"noOfRetailAccountsBad": "0",
"noOfJointLoanAccountsGood": "0",
"noOfJointLoanAccountsBad": "0",
"noOfTelecomAccountsGood": "0",
"noOfTelecomAccountsBad": "0",
"noOfOtherAccountsGood": "6",
"noOfOtherAccountsBad": "0",
"_id": "64c71835e975429f54bfdaf9"
}
],
"creditAgreementSummary": [
{
"dateAccountOpened": "19/08/2021",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "032SPLG212310004",
"subAccountNo": "",
"indicatorDescription": null,
"openingBalanceAmt": "150,000.00",
"currency": "NGN",
"currentBalanceDebitInd": null,
"currentBalanceAmt": null,
"instalmentAmount": null,
"amountOverdue": "0.00",
"closedDate": "21/03/2022",
"loanDuration": "214",
"repaymentFrequency": "We",
"lastUpdatedDate": "21/04/2023",
"performanceStatus": "Performing",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdafa"
},
{
"dateAccountOpened": "18/11/2020",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "032SPLI000000088",
"subAccountNo": "",
"indicatorDescription": null,
"openingBalanceAmt": "85,298.25",
"currency": "NGN",
"currentBalanceDebitInd": null,
"currentBalanceAmt": null,
"instalmentAmount": null,
"amountOverdue": "0.00",
"closedDate": "18/05/2021",
"loanDuration": "151",
"repaymentFrequency": "We",
"lastUpdatedDate": "21/04/2023",
"performanceStatus": "Watchlist",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdafb"
},
{
"dateAccountOpened": "31/08/2017",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "5014734231",
"subAccountNo": "",
"indicatorDescription": null,
"openingBalanceAmt": "60,000.00",
"currency": "NGN",
"currentBalanceDebitInd": null,
"currentBalanceAmt": "0.00",
"instalmentAmount": "2,406.06",
"amountOverdue": "0.00",
"closedDate": "04/04/2018",
"loanDuration": "7",
"repaymentFrequency": "Weekly",
"lastUpdatedDate": "30/08/2018",
"performanceStatus": "Performing",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdafc"
},
{
"dateAccountOpened": "17/04/2018",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "5015245293",
"subAccountNo": "",
"indicatorDescription": null,
"openingBalanceAmt": "90,000.00",
"currency": "NGN",
"currentBalanceDebitInd": null,
"currentBalanceAmt": "0.00",
"instalmentAmount": "3,615.23",
"amountOverdue": "0.00",
"closedDate": "21/11/2018",
"loanDuration": "7",
"repaymentFrequency": "Weekly",
"lastUpdatedDate": "11/01/2019",
"performanceStatus": "Performing",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdafd"
},
{
"dateAccountOpened": "07/12/2018",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "5015825706",
"subAccountNo": "",
"indicatorDescription": null,
"openingBalanceAmt": "100,000.00",
"currency": "NGN",
"currentBalanceDebitInd": null,
"currentBalanceAmt": "0.00",
"instalmentAmount": "4,016.92",
"amountOverdue": "0.00",
"closedDate": "17/07/2019",
"loanDuration": "7",
"repaymentFrequency": "Not Available",
"lastUpdatedDate": "01/05/2019",
"performanceStatus": "Performing",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdafe"
},
{
"dateAccountOpened": "20/05/2020",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "5016864710",
"subAccountNo": "",
"indicatorDescription": null,
"openingBalanceAmt": "150,000.00",
"currency": "NGN",
"currentBalanceDebitInd": null,
"currentBalanceAmt": "0.00",
"instalmentAmount": "6,000.02",
"amountOverdue": "0.00",
"closedDate": "16/12/2020",
"loanDuration": "7",
"repaymentFrequency": "Weekly",
"lastUpdatedDate": "17/12/2020",
"performanceStatus": "Performing",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdaff"
},
{
"dateAccountOpened": "03/09/2020",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "5470023209",
"subAccountNo": "",
"indicatorDescription": null,
"openingBalanceAmt": "12,850.00",
"currency": "NGN",
"currentBalanceDebitInd": null,
"currentBalanceAmt": "0.00",
"instalmentAmount": "1,167.12",
"amountOverdue": "0.00",
"closedDate": "02/09/2021",
"loanDuration": "365",
"repaymentFrequency": "Not Available",
"lastUpdatedDate": "30/11/2020",
"performanceStatus": "Performing",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdb00"
}
],
"accountMonthlyPaymentHistory": [
{
"dateAccountOpened": "19/08/2021",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "032SPLG212310004",
"subAccountNo": "",
"currency": "NGN",
"currentBalanceDebitInd": null,
"indicatorDescription": null,
"monthlyInstalmentAmt": null,
"lastPaymentDate": null,
"subscriberTypeInd": "M",
"accountNote": "",
"repaymentFrequencyCode": "We",
"openingBalanceAmt": "150,000.00",
"currentBalanceAmt": null,
"amountOverdue": "0.00",
"closedDate": "21/03/2022",
"lastUpdatedDate": "21/04/2023",
"performanceStatus": "Performing",
"loanDuration": "214 Day(s)",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdb01"
},
{
"dateAccountOpened": "18/11/2020",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "032SPLI000000088",
"subAccountNo": "",
"currency": "NGN",
"currentBalanceDebitInd": null,
"indicatorDescription": null,
"monthlyInstalmentAmt": null,
"lastPaymentDate": null,
"subscriberTypeInd": "M",
"accountNote": "",
"repaymentFrequencyCode": "We",
"openingBalanceAmt": "85,298.25",
"currentBalanceAmt": null,
"amountOverdue": "0.00",
"closedDate": "18/05/2021",
"lastUpdatedDate": "21/04/2023",
"performanceStatus": "Watchlist",
"loanDuration": "151 Day(s)",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdb02"
},
{
"dateAccountOpened": "31/08/2017",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "5014734231",
"subAccountNo": "",
"currency": "NGN",
"currentBalanceDebitInd": null,
"indicatorDescription": null,
"monthlyInstalmentAmt": "0.00",
"lastPaymentDate": null,
"subscriberTypeInd": "M",
"accountNote": "",
"repaymentFrequencyCode": "Weekly",
"openingBalanceAmt": "60,000.00",
"currentBalanceAmt": "2,406.06",
"amountOverdue": "0.00",
"closedDate": "04/04/2018",
"lastUpdatedDate": "30/08/2018",
"performanceStatus": "Performing",
"loanDuration": "7 Day(s)",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdb03"
},
{
"dateAccountOpened": "17/04/2018",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "5015245293",
"subAccountNo": "",
"currency": "NGN",
"currentBalanceDebitInd": null,
"indicatorDescription": null,
"monthlyInstalmentAmt": "0.00",
"lastPaymentDate": null,
"subscriberTypeInd": "M",
"accountNote": "",
"repaymentFrequencyCode": "Weekly",
"openingBalanceAmt": "90,000.00",
"currentBalanceAmt": "3,615.23",
"amountOverdue": "0.00",
"closedDate": "21/11/2018",
"lastUpdatedDate": "11/01/2019",
"performanceStatus": "Performing",
"loanDuration": "7 Day(s)",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdb04"
},
{
"dateAccountOpened": "07/12/2018",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "5015825706",
"subAccountNo": "",
"currency": "NGN",
"currentBalanceDebitInd": null,
"indicatorDescription": null,
"monthlyInstalmentAmt": "0.00",
"lastPaymentDate": "27/03/2019",
"subscriberTypeInd": "M",
"accountNote": "",
"repaymentFrequencyCode": "Not Available",
"openingBalanceAmt": "100,000.00",
"currentBalanceAmt": "4,016.92",
"amountOverdue": "0.00",
"closedDate": "17/07/2019",
"lastUpdatedDate": "01/05/2019",
"performanceStatus": "Performing",
"loanDuration": "7 Day(s)",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdb05"
},
{
"dateAccountOpened": "20/05/2020",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "5016864710",
"subAccountNo": "",
"currency": "NGN",
"currentBalanceDebitInd": null,
"indicatorDescription": null,
"monthlyInstalmentAmt": "0.00",
"lastPaymentDate": "25/11/2020",
"subscriberTypeInd": "M",
"accountNote": "",
"repaymentFrequencyCode": "Weekly",
"openingBalanceAmt": "150,000.00",
"currentBalanceAmt": "6,000.02",
"amountOverdue": "0.00",
"closedDate": "16/12/2020",
"lastUpdatedDate": "17/12/2020",
"performanceStatus": "Performing",
"loanDuration": "7 Day(s)",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdb06"
},
{
"dateAccountOpened": "03/09/2020",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "5470023209",
"subAccountNo": "",
"currency": "NGN",
"currentBalanceDebitInd": null,
"indicatorDescription": null,
"monthlyInstalmentAmt": "0.00",
"lastPaymentDate": "02/09/2021",
"subscriberTypeInd": "M",
"accountNote": "",
"repaymentFrequencyCode": "Not Available",
"openingBalanceAmt": "12,850.00",
"currentBalanceAmt": "1,167.12",
"amountOverdue": "0.00",
"closedDate": "02/09/2021",
"lastUpdatedDate": "30/11/2020",
"performanceStatus": "Performing",
"loanDuration": "365 Day(s)",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdb07"
}
],
"guarantorCount": [
{
"guarantorsSecured": "0",
"accounts": "0",
"_id": "64c71835e975429f54bfdb08"
}
],
"guarantorDetails": [
{
"guarantorFirstName": "",
"guarantorOtherName": "",
"guarantorNationalIDNo": "",
"guarantorPassport": "",
"guarantorDriverLicenceNo": "",
"guarantorPENCOMIDNo": "",
"guarantorOtherID": "",
"guarantorGender": "",
"guarantorDateOfBirth": "",
"guarantorAddress1": "",
"guarantorAddress2": "",
"guarantorAddress3": "",
"guarantorHomeTelephone": "",
"guarantorworkTelephone": "",
"guarantorMobileTelephone": "",
"_id": "64c71835e975429f54bfdb09"
}
],
"enquiryHistoryTop": [
{
"subscriberEnquiryResultID": null,
"dateRequested": null,
"subscriberName": null,
"enquiryReason": null,
"companyTelephoneNo": null,
"_id": "64c71835e975429f54bfdb0a"
}
],
"identificationHistory": [
{
"upDateDate": null,
"upDateOnDate": null,
"identificationNumber": null,
"identificationType": null,
"_id": "64c71835e975429f54bfdb0b"
}
],
"addressHistory": [
{
"upDateDate": null,
"upDateOnDate": null,
"address1": null,
"address2": null,
"address3": null,
"address4": null,
"addressTypeInd": null,
"_id": "64c71835e975429f54bfdb0c"
}
],
"employmentHistory": [
{
"upDateDate": null,
"upDateOnDate": null,
"employerDetail": null,
"occupation": null,
"_id": "64c71835e975429f54bfdb0d"
}
],
"telephoneHistory": [],
"isConsent": true,
"idNumber": "22471069115",
"businessId": "628b38f03ae28a14f52d4bf7",
"type": "ngIndividualCreditReport",
"requestedAt": "2023-07-31T02:11:00.924Z",
"requestedById": "628b38f03ae28a5a122d4bf3",
"country": "NG",
"createdAt": "2023-07-31T02:11:01.142Z",
"lastModifiedAt": "2023-07-31T02:11:01.142Z",
"metadata": {},
"requestedBy": {
"firstName": "API",
"lastName": "User",
"middleName": "",
"id": "628b38f03ae28a5a122d4bf3"
}
},
"links": []
} HTTP/1.1 402 Payment Required
{
"success": false,
"statusCode": 402,
"message": "Insufficient fund",
"name": "PaymentRequiredError",
"data": {}
}
HTTP/1.1 500 Service Unavailable
{
"success": false,
"statusCode": 500,
"message": "Third-party provider not reachable",
"name": "Error",
"data": {}
}
HTTP/1.1 403 Forbidden
{
"success": false,
"statusCode": 403,
"message": "Permission denied",
"name": "UnauthorizedError",
"data": {}
}
HTTP/1.1 404 NotFound
{
"success": false,
"statusCode": 404,
"message": "You have attempted to get a resource that does not exist.",
"name": "ResourceNotFoundError",
"data": {}
}
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